Here’s Who Actually Needs Long-Term Care Insurance — and When to Buy It

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 As many as 70% of Americans over age 65 will require some kind of long-term care — and 48% end up footing the bill. Africa Studio / Shutterstock.com

Advertising Disclosure: When you buy something by clicking links on our site, we may earn a small commission, but it never affects the products or services we recommend. Most people will need some form of long-term care as they age. Planning for that care is one of the biggest challenges older Americans face. Enter long-term care insurance, which helps cover the costs of extended medical care…

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